Nu holdings reported a net profit of us$2.9 billion for all of 2025, marking a 51% increase from the previous year. Total revenues reached us$16.3 billion, up 45% year-over-year. The company added 17 million new customers, reaching a total of 131 million.
Nu holdings, the digital bank led by david vélez, solidified its position in latin america at the close of 2025 with strong financial results. The annual net profit was us$2.9 billion, a 51% increase from us$1.972 billion in 2024. In the fourth quarter, net profit reached us$894.8 million, up 50% year-over-year and 13% from the previous quarter, driven by higher revenues and operational efficiency. Return on equity roe hit a record 33%.
"In the fourth quarter of 2025, we increased our scale, deepened engagement, and expanded profitability, closing the year with 131 million customers, adding 17 million net new customers in 2025," stated david vélez, ceo of nu holdings ltd.
Total revenues for the year amounted to us$16.3 billion, 45% higher than in 2024, while fourth-quarter revenues were us$4.9 billion. Quarterly net interest income reached us$2.8 billion, with an adjusted risk-based net interest margin of 10.5%. Annual gross profit rose to us$6.6 billion from us$5 billion the prior year.
Regarding customers, the entity added 17 million in 2025 and four million in the fourth quarter, totaling 131 million. In brazil, it has 113 million customers, equivalent to 62% of the adult population. In mexico, it covers 15% of adults and is the top issuer of new credit cards. In colombia, it exceeded four million users and enhanced its credit approval capacity.
Average monthly revenue per active customer was us$15 in the fourth quarter, a 27% year-over-year increase, with an activity rate of 83%. Service cost per customer remained at us$0.8 monthly, and the efficiency ratio improved to 19.9%. Delinquency between 15 and 90 days fell to 4.1%, and over 90 days to 6.6%.
Throughout the year, nu holdings launched over 100 products and features, including payroll loans in brazil, a subscription credit card in colombia, solutions for minors, and financial planning tools.
